Improving financial services for renewable natural resource development in Ghana establishing policy guidelines for the informal financial sector.
1999
Jones J. H. M. | Sakyi Dawson, O. | Harford, N. | Sey, A.
This research explores the scope for enhancing the role of the informal financial sector for renewable natural resource (RNR) development in Ghana. It includes 4 main areas of work: (1) identification of the financial service needs of different operators in the RNR sub-sectors; (2) an examination of financial service provision to these sub-sectors; (3) an institutional analysis of financial institutions or agents and their perceptions of support to the RNR sector towards linkages with other financial intermediaries; and (4) case-studies of recent linkages between formal financial institutions and informal financial agents. Field research was conducted in the Winneba area for coastal fishing and agriculture in the coastal savannah zone; the Sunyani and Techiman areas for agriculture and forestry in the transitional zone; and the Yeji area for inland fishing, agriculture and forestry in the transitional zone. Northern Ghana is included in the identification of financial service needs. Policy options are considered to facilitate linkages between formal and informal financial intermediaries, for future monitoring and impact assessment, and to reduce production and lending risks.
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